If you have name + address + DOB and there's a typo or one of address/DOB is missing completely but you can still find the entry in the DB then you have a 'hit' for the search result. Period.coolintheshade wrote: ↑Jul 31st, 2017 6:37 pmHow many of me have lived at my address is not the question.
The real question is, how many times have the bureaus or the companies that supply the information to them, got the address wrong, spelled wrong etc...
Yes an address may aid in obtaining the correct credit file, and it certainly is very possible to have people with the same or similar names living in the same household, so verifying DOB eliminates any doubt that the correct credit file is being pulled.
You are venturing into straw-man example territory now cool ...
"Consumer applying for credit" DOES NOT EQUAL "A company requesting a credit report on a consumer".Trying filling out your next credit card application without providing DOB and let us know how that goes for you.
If a the credit issuer finds any inconsistency/mistakes with your provided information when they try to grant you credit they will suspect fraud or identity theft and either decline you or take additional steps to verify you.
If the bureau receives a pull request from a company with absent/typoed info they will just chalk it up to a mistake. They trust the company. I said this already. They aren't vetting the company's trust.